we'll have the bank of england's own stress test and i will be an issue. i do think want to look at europe and say, a lot of the really -- maybe unjustified. i look at the economic numbers, that of europe and they are not quite as bad. morning, with an equal amount of skepticism. over the past 12 months, the banks have taken it seriously. they have raised -- when we got? 60 billion euros. the banks took it seriously. beyond that, you look at the assessment, the nonperforming loans, it does not point to a very healthy banking sector, does it? >> no. greece last week, fully anticipated the good news today.